





/*****************************************************/
/*                                                   */
/* Make graphs with mean levels of outcome variables */
/*                                                   */
/*****************************************************/




clear all

use "G:\Data\Workdata\707677\Common\01Data\02STATA\mean_level.dta"

cd "G:\Data\Workdata\707677\Common\03Output\01Graphs\01MeanLevels"






/*************************/
/*                       */
/* One outcome per graph */
/*                       */
/*************************/






/* Earned Income ERHVERVSINDK */


#delimit ;


twoway line erhvervsindk_g erhvervsindk_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Earned Income (1000 DKK)", size(medlarge))

ylabel(0 "0" 100000 "100" 200000 "200" 300000 "300", angle(0) nogrid labsize(medlarge))

xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied"))

xline(-1, lcolor(black) lpattern(dash))


;

#delimit cr

graph save earnings, replace

graph export earnings.pdf, replace







/* Fraction employed */



#delimit ;


twoway line employed_pstill_g employed_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction Employed", size(medlarge))

ylabel(0 "0%" 0.25 "25%" 0.5 "50%" 0.75 "75%" 1.0 "100%", angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save employment, replace

graph export employment.pdf, replace






/* Fraction out of labor force */



#delimit ;


twoway line out_of_lf_pstill_g out_of_lf_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction Out of Labor Force", size(medlarge))

ylabel(0 "0%" 0.1 "10%" 0.2 "20%" 0.3 "30%" 0.4 "40%", angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save outoflf, replace

graph export outoflf.pdf, replace







/* Fraction unemployed */



#delimit ;


twoway line unemployed_pstill_g unemployed_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction Unemployed", size(medlarge))

ylabel(0 "0%" 0.05 "5%" 0.1 "10%" 0.15 "15%" 0.2 "20%" , angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save unemployed, replace

graph export unemployed.pdf, replace







/* Debt PASSIV */


#delimit ;


twoway line passiv_g passiv_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Taxable Debt (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750"  1000000 "1000" , angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save passiv, replace

graph export passiv.pdf, replace








/* Assets AKTIV */


#delimit ;


twoway line aktiv_g aktiv_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Taxable Assets (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750" , angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))



graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save aktiv, replace

graph export aktiv.pdf, replace




/* Wealth FORMUE */


#delimit ;


twoway line formue_g formue_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Taxable Wealth (1000 DKK)", size(medlarge))



ylabel(-500000 "-500" -400000 "-400" -300000 "-300" -200000 "-200" -100000 "-100" 0 "0" , angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save formue, replace

graph export formue.pdf, replace





/* Value of RealEstate Wealth */


#delimit ;


twoway line koejd_g koejd_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Taxable Real Estate Wealth (1000 DKK)", size(medlarge))


ylabel(0 "0"  200000 "200" 400000 "400" 600000 "600" , angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save koejd, replace

graph export koejd.pdf, replace








/* House Ownership */





#delimit ;


twoway line house_g house_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction Real Estate Owners", size(medlarge))


ylabel(0 "0%" 0.1 "10%" 0.2 "20%" 0.3 "30%" 0.4 "40%" 0.5 "50%" , angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))



graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;


#delimit cr

graph save house, replace

graph export house.pdf, replace







/* Disability Insurance */


#delimit ;


twoway line tilbtot_g tilbtot_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Disability Insurance (1000 DKK)", size(medlarge))



ylabel(0 "0" 2000 "2" 4000 "4" 6000 "6" 8000 "8", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;


#delimit cr

graph save tilbtot, replace

graph export tilbtot.pdf, replace






/* Fraction with Disability Insurance */


#delimit ;


twoway line disability_g disability_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction with Disability Insurance", size(medlarge))



ylabel(0 "0%" 0.1 "10%" 0.2 "20%" 0.3 "30%", angle(0) nogrid labsize(medlarge))




xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))



graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;


#delimit cr

graph save disability, replace

graph export disability.pdf, replace






/* Social Assistance */


#delimit ;


twoway line kontant_g kontant_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Social Assistance (1000 DKK)", size(medlarge))



ylabel(0 "0" 2500 "2.5" 5000 "5.0" 7500 "7.5" 10000 "10.0", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save kontant, replace

graph export kontant.pdf, replace








/* Fraction with Social Assistance */


#delimit ;


twoway line social_g social_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Fraction with Social Assistance", size(medlarge))


ylabel(0 "0%" 0.05 "5%" 0.1 "10%" 0.15 "15%" 0.2 "20%" 0.25 "25%", angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr

graph save social, replace

graph export social.pdf, replace







/* Hourly Wage */





#delimit ;


twoway line timelon_g timelon_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Hourly Wage (DKK)", size(medlarge))




ylabel(0 "0" 100 "100" 200 "200" 300 "300" , angle(0) nogrid labsize(medlarge))


xtitle("Years since application for debt relief", size(medlarge) height(4.5))


xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;


#delimit cr

graph save timelon, replace

graph export timelon.pdf, replace











/* Debt PANTGAELD */


#delimit ;


twoway line pantgaeld_g pantgaeld_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Pantgaeld (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr



graph save pantgaeld, replace

graph export pantgaeld.pdf, replace







/* Debt BANKGAELD */


#delimit ;


twoway line bankgaeld_g bankgaeld_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Unsecured Debt (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr





graph save bankgaeld, replace

graph export bankgaeld.pdf, replace








/* Debt OBLGAELD */



#delimit ;


twoway line oblgaeld_g oblgaeld_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Oblgaeld (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr



graph save oblgaeld, replace

graph export oblgaeld.pdf, replace






/* Debt PRIGALD */



#delimit ;


twoway line prigald_g prigald_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Prigald (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr



graph save prigald, replace

graph export prigald.pdf, replace







/* Debt Galdio */



#delimit ;


twoway line galdio_g galdio_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Galdio (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr



graph save galdio, replace

graph export galdio.pdf, replace












/* Mortgage */



#delimit ;


twoway line mortgage_g mortgage_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Secured Debt (1000 DKK)", size(medlarge))



ylabel(0 "0" 250000 "250" 500000 "500" 750000 "750", angle(0) nogrid labsize(medlarge))



xtitle("Years since application for debt relief", size(medlarge) height(4.5))

xlabel(-4(1)16, angle(0) nogrid labsize(medlarge))


graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(label(1 "Granted") label(2 "Denied") )

xline(-1, lcolor(black) lpattern(dash))

;

#delimit cr



graph save mortgage, replace

graph export mortgage.pdf, replace










/******************************/
/*                            */
/* Combine graphs into groups */
/*                            */
/******************************/




/***************************************************************************************/
/* First group has earnings, employment, assets, wealth, secured debt, unsecured debt  */
/***************************************************************************************/




/* Earned Income */


#delimit ;


twoway line erhvervsindk_g erhvervsindk_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Earned Income", size(medium))

yscale(titlegap(*-3))

ylabel(140000 "140" 175000 "175" 210000 "210", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)



legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))


name(earnings, replace)

;

#delimit cr




/* Employment */



#delimit ;


twoway line employed_pstill_g employed_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Employment", size(medium))

yscale(titlegap(*-3))

ylabel(0.48 "48%" 0.63 "63%" 0.78 "78%", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))

name(employment, replace)

;

#delimit cr








/* Assets AKTIV */


#delimit ;


twoway line aktiv_g aktiv_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Assets", size(medium))

yscale(titlegap(*-3))

ylabel(0 "0" 200000 "200" 400000 "400" 600000 "600" , angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(assets, replace)

;

#delimit cr






/* Wealth  */


#delimit ;

twoway line formue_g formue_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Wealth", size(medium))

yscale(titlegap(*-3))

ylabel(-500000 "-500" -250000 "-250" 0 "0" , angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(wealth, replace)

;

#delimit cr









/* Unsecured Debt */


#delimit ;


twoway line bankgaeld_g bankgaeld_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Unsecured Debt", size(medium))

yscale(titlegap(*-3))

ylabel(0 "0" 200000 "200" 400000 "400" 600000 "600" , angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(unsecured, replace)

;

#delimit cr




/* Secured debt */



#delimit ;

twoway line mortgage_g mortgage_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Secured Debt", size(medium))

yscale(titlegap(*-3))

ylabel(0 "0" 200000 "200" 400000 "400" 600000 "600" , angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))


xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(secured, replace)

;

#delimit cr





/***************************/
/* Combine 6 graphs into 1 */
/***************************/






/* This makes graphs with one legend at bottom */


grc1leg earnings employment assets wealth unsecured secured, graphregion(fcolor(white)) scheme(s1color) cols(2) rows(3) imargin(small) legendfrom(earnings)


graph save mean_panel_1_new_combined, replace

graph export mean_panel_1_new_combined.pdf, replace






/* This graphs has many legends */

graph combine earnings employment assets wealth unsecured secured, graphregion(fcolor(white)) scheme(s1color) cols(2) rows(3) imargin(small)


graph save mean_panel_1_new, replace

graph export mean_panel_1_new.pdf, replace




/******************************************************************************************/
/* Second group has debt, wealth, real estate, wage, out of labor force, and unemployment */
/******************************************************************************************/



/* Debt PASSIV */


#delimit ;


twoway line passiv_g passiv_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Debt", size(medium))

yscale(titlegap(*-3))

ylabel(150000 "150" 450000 "450" 750000 "750", angle(0) nogrid labsize(medsmall))


xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)



legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))

name(debt, replace)

;

#delimit cr






/* Home ownership */


#delimit ;


twoway line house_g house_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Real Estate (y/n)", size(medium))

yscale(titlegap(*-3))

ylabel(0 "0%" 0.25 "25%" 0.5 "50%" , angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(home, replace)

;


#delimit cr





/* Value of Real Estate */


#delimit ;

twoway line koejd_g koejd_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Real Estate", size(medium))

yscale(titlegap(*-3))

ylabel(0 "0"  250000 "250" 500000 "500", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)

legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))

xline(-1, lcolor(black) lpattern(dash))

name(realestate, replace)

;

#delimit cr





/* Hourly Wage */



#delimit ;

twoway line timelon_g timelon_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Hourly Wage", size(medium))

yscale(titlegap(*-3))

ylabel(195 "195" 215 "215" 235 "235", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))

name(wage, replace)

;


#delimit cr





/* Fraction out of labor force */


#delimit ;


twoway line out_of_lf_pstill_g out_of_lf_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Out of Labor Force", size(medium))

yscale(titlegap(*-3))

ylabel(0.13 "13%" 0.3 "30%" 0.49 "49%", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))

name(outof, replace)

;

#delimit cr




/* Fraction unemployed */



#delimit ;


twoway line unemployed_pstill_g unemployed_pstill_ng time if (time>-5 & time<17),

lwidth(0.6 0.6) lcolor(black black) lpattern(line dash)

ytitle("Unemployed", size(medium))

yscale(titlegap(*-3))

ylabel(0.02 "2%" 0.08 "8%" 0.14 "14%", angle(0) nogrid labsize(medsmall))

xtitle("Years", size(medsmall))

xlabel(-4(2)16, angle(0) nogrid labsize(medsmall))

graphregion(fcolor(white)) bgcolor(white) scheme(s1color)


legend(symys(0.25) symxs(10) bm(tiny) keygap(1) colgap(2) label(1 "Granted") label(2 "Denied") size(vsmall))


xline(-1, lcolor(black) lpattern(dash))

name(unemployment, replace)

;

#delimit cr






/* Combine 6 graphs into 1 */


/*


/* This makes graphs with one legend at bottom */

*/

grc1leg debt home realestate wage outof unemployment, graphregion(fcolor(white)) scheme(s1color) cols(2) rows(3) imargin(small) legendfrom(debt)


graph save mean_panel_2_new_combined, replace

graph export mean_panel_2_new_combined.pdf, replace











graph combine debt home realestate wage outof unemployment, graphregion(fcolor(white)) scheme(s1color) cols(2) rows(3) imargin(small)


graph save mean_panel_2_new, replace

graph export mean_panel_2_new.pdf, replace












